---
schema_version: "secwatch.filing_event.v1"
accession: "0000798941-26-000010"
form_type: "8-K"
ticker: "FCNCA"
cik: "0000798941"
company_name: "FIRST CITIZENS BANCSHARES INC /DE/"
filed_at: "2026-01-23T23:59:59+00:00"
generated_at: "2026-05-16T08:37:17.696167+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# FCNCA Q4 adjusted EPS $51.27 vs $45.10 yoy; $900M share repurchases, $2.5B note prepaid

## Summary
- Net income available to common $566M GAAP ($45.81 diluted EPS); adjusted net income $634M ($51.27 diluted EPS).
- Returned $900M via share repurchases and prepaid $2.5B Purchase Money Note in Q4.
- Total loans grew $3.2B QoQ to $147.9B, led by Global Fund Banking capital call lines ($31.8B).
- Credit quality stable: nonaccrual loans 0.88% of total loans, net charge-off ratio 0.39% for Q4.
- Announced BMO branch acquisition (138 branches, ~$5.7B deposits, $1.1B loans) expected to close 2H 2026.

## SEC filing metadata
- accession: 0000798941-26-000010
- form_type: 8-K
- ticker: FCNCA
- cik: 0000798941
- company_name: FIRST CITIZENS BANCSHARES INC /DE/
- filed_at: 2026-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/798941/000079894126000010/0000798941-26-000010-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/798941/000079894126000010/fcnca-20260123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000798941-26-000010
- JSON: https://secwatch.observer/filing/0000798941-26-000010.json
- Plain text: https://secwatch.observer/filing/0000798941-26-000010.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.